Jpmorgan Bank and Trust Company, National Association

San Francisco, CA · Cert 58729

FDIC · 1 branch

Q2 2015

$15.6BAssets

$5.1BLoans

$25.2MDeposits

$1.6BEquity

Deposit mix

NIM

Market Position · San Francisco-Oakland-Hayward, CA · 2015 SOD (annual) · 0.0% share · #70 of 75 inst. · $0.0B of $310.7B

Earnings: ROA of 1.30%, down 53 bps year over year; NIM at 1.87%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.

Return on Assets (YTD, annualized)

1.30%-53 bps YoY

Net Interest Margin (YTD, annualized)

1.87%-123 bps YoY

Efficiency Ratio (YTD, annualized)

10.57%+238 bps YoY

Tier 1 Leverage Ratio

13.61%

Year to date, annualized, through each quarter.

Metric	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	1.84%	1.88%	1.94%	1.51%	1.30%	-53 bps
Return on Equity	9.96%	9.66%	9.49%	8.05%	8.81%	-115 bps
Net Interest Margin	3.10%	3.45%	3.58%	3.15%	1.87%	-123 bps
Efficiency Ratio	8.19%	8.20%	8.29%	10.16%	10.57%	+238 bps
Non-Interest Burden	0.22%	0.25%	0.27%	0.31%	0.19%	-4 bps
Growth
Asset Growth (YoY)	-20.80%	-33.37%	-21.59%	34.27%	97.02%	+11,782 bps
Loan Growth (YoY)	-15.74%	-15.23%	-15.36%	-16.01%	-16.86%	-113 bps
Deposit Growth (YoY)	0.18%	0.17%	0.16%	0.16%	0.17%	-1 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.04%	0.01%	-0.05%	0.27%	0.14%	+10 bps
Allowance / Loans	1.33%	1.39%	1.42%	1.41%	1.41%	+7 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	24.63%	13.61%	n/a
Total Risk-Based Capital	0.38%	0.42%	0.45%	39.20%	33.51%	+3,313 bps
Equity / Assets	18.82%	23.03%	25.34%	15.00%	10.44%	-838 bps
Liquidity & Funding
Loans / Deposits	24469%	23392%	22378%	21338%	20309%	-416,021 bps
Liquid Assets / Assets	0.01%	0.00%	0.02%	44.40%	63.24%	+6,323 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a